Merchant Business LoansPowered by Funding Flow
    LOCATIONS · NEWTOWNARDS

    Merchant cash advance in Newtownards.

    Newtownards sits at the head of Strangford Lough and remains one of County Down's busiest market towns, with a Saturday market on Conway Square that has run for centuries. Regent Street, High Street and the Ards Shopping Centre carry a steady mix of independent retailers, cafes, barbers and beauty rooms, while forecourts and takeaways along the Portaferry Road and Bangor Road serve heavy commuter traffic. The town's hospitality trade is strong, from long-standing pubs in the centre to restaurants serving diners heading down the Ards Peninsula. Many of these businesses live and die by card takings, with weekends and market days delivering the bulk of the week's income. A merchant cash advance gives a business a lump sum up front, then collects repayment as an agreed share of daily card sales, so the amount owed each day flexes with how busy trade actually is. That structure fits a market town where footfall rises and falls with the calendar rather than staying flat. Because repayment tracks card income, quieter mid-week days cost less than a packed Saturday.

    How a merchant cash advance works.

    A merchant cash advance (MCA), also called a PDQ cash advance or card machine loan, gives your business an upfront lump sum repaid as a small percentage of your daily card takings. There is no fixed monthly repayment and no interest rate, just one fixed cost agreed upfront. MCA is unregulated commercial finance, business-to-business, and is unsecured against business assets. Most lenders ask for a personal guarantee from a director.

    • Advance£10,000 to £1,000,000
    • Fixed cost1.10 to 1.50
    • Term3 to 18 months
    • Daily repayment10% to 22% of card takings
    • DecisionTypically 24 to 48 hours

    Eligibility.

    • Sole traders and UK limited companies.
    • At least 6 months trading history.
    • Active card machine (PDQ terminal) or online card processor.
    • Typically 6 to 12 months of card transaction data shared with lenders.

    Eligibility differs by lender. We compare a panel of UK MCA funders on your behalf to find the right fit.

    Ready when you are

    Ready to apply?

    60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.

    Up to 90% approval for qualifying businesses

    Quick Apply →
    COMPATIBILITY

    Works with your card machine and payment provider.

    Whatever you take card payments through, we fund against your takings.

    Dojo
    Square
    SumUp
    Zettle by PayPal
    Stripe
    Worldpay
    Barclaycard
    Tyl by NatWest
    takepayments
    Paymentsense
    Elavon
    myPOS
    Clover
    Teya
    Revolut
    Just Eat
    Deliveroo
    Uber Eats
    Epos Now
    Lightspeed
    Zonal
    Toast
    + many more

    Logos are the card and payment providers we fund against. We are not affiliated with, partnered with, or endorsed by them.